title: State variation in insurance laws a major driver of employers' self-insurance decisions.
mesh_terms: D017047:Cost Sharing; D003669:Deductibles and Coinsurance; D006264:Health Benefit Plans, Employee / Q000191:economics / Q000331:legislation & jurisprudence*; D019538:Health Care Surveys; D020408:Health Insurance Portability and Accountability Act; D006297:Health Services Accessibility / Q000191:economics / Q000331:legislation & jurisprudence* / Q000706:statistics & numerical data; D006801:Humans; D007342:Insurance Benefits; D019458:Insurance Coverage; D007348:Insurance, Health / Q000191:economics / Q000331:legislation & jurisprudence*; D013219:State Government; D014481:United States